Launch what you've been planning.
Surgical sites, service line expansions, second locations. Move on the plans you've already budgeted for, on the timeline your system needs.
What changes when claims, cash, and risk move on your timeline.
Run a leaner finance function.
When funding is same-day and predictable, your finance team focuses on strategic work instead of forecasting reimbursement timing across payer mixes.
Hire on your timeline, not the payer's.
Staffing is the defining challenge for community and regional health systems. Same-day funding means recruiting and retention don't have to wait on reimbursement cycles.
Strengthen your position with payers.
Carrying reimbursement risk weakens your hand. Operating from a position of capital strength changes the dynamic in payer negotiations.
What changes with Thrivory.
The way it works today
The way it works with Thrivory
Reimbursement timing varies across dozens of payers
Same-day funding on eligible claims, across major payers
Earned revenue locked in submitted claims
Revenue available the day claims go out
Denial management handled after the fact
Denial risk identified before claims submit
Revenue cycle dispersed across sites
Unified view of funding across the system
Funding growth from outside the system
Funding growth from inside the system
Months of integration before time to value
Live in weeks, not months
The Platform
A unified financial layer for claims, cash, and risk.
Thrivory sits behind every claim your system submits. It evaluates each claim in real time, predicts reimbursement with 96%+ accuracy, and advances typically 80% of that value the same day. Beyond same-day funding, Thrivory gives finance leaders complete visibility into the financial life of every claim.
- Connect once Thrivory plugs into your existing EHR or EMR. No workflow changes, no payer notifications.
- Claims screened before submission Every claim is evaluated for denial risk, missing modifiers, and competitive reimbursement before it goes out the door.
- Capital, same day Typically 80% of expected value hits your account the day claims submit (usually within one business day). No waiting on payer timelines.
- Ongoing financial intelligence Credit health monitoring, payer benchmarking, and automatic EFT reconciliation matched to the EOB.
Instant Adjudication
Claims Intelligence
Financial Health Monitoring
EFT Reconciliation
40B+ claims trained on 96%+ prediction accuracy
Built for the way modern health systems run.
- Works across Medicare, Medicaid, commercial, and regional payers
- Supports high-volume, multi-site provider networks
- Compatible with most EHR and EMR platforms
- SOC 2 Type II in progress, HIPAA compliant with secure EDI
Payer Coverage
Major payer types, every claim.
Whatever your system's payer mix looks like, the engine prices each claim across all of it in real time, public programs and commercial plans alike.
Government & Public
Medicare
Medicare Advantage
Medicaid
Managed Medicaid
State-Level Plans
Commercial
National
Regional
Self-Funded Employers
Provider-Sponsored Plans
Questions your finance committee will ask.
How long does integration with our EHR take?
Most health systems are live within a few weeks. Thrivory connects to your existing EHR and clearinghouse through standard interfaces, so nothing changes for your clinical or billing teams. They keep working exactly the way they do today.
What happens when a claim is denied?
Thrivory evaluates every claim before advancing capital and only funds the ones our model predicts will be paid, with accuracy above 96%. If you qualify for our non-recourse program, routine denials and underpayments are ours to absorb. Liability applies only in narrow cases where the problem originated on your side, such as improper billing, fraud, or misdirected funds. Eligibility for non-recourse is determined during underwriting.
Does this replace our revenue cycle team or our existing systems?
No, Thrivory is a financial layer that sits behind your revenue cycle stack. Your RCM team, clearinghouse, and EHR keep running as they are. We add same-day funding on top of the claims you're already processing.
How does this work across our payer mix?
Thrivory funds claims across every payer you bill: Medicare, Medicaid, commercial plans at the national and regional level, state plans, and managed care. The model uses your system's billing patterns to predict reimbursement accurately for your payer mix.
Is this a loan? What does the contract look like?
No. You don't take on debt, and there's no interest. We're repaid as the payer pays the claim we bought. There's typically no minimum volume commitment, and you can adjust scope as your needs change.